Online applications are typically the fastest way to get coverage, but you can also apply by phone or by mail. You can also enroll anytime if you qualify for a MassHealth plan, if you had a life event that qualifies you for a ConnectorCare plan, if you’re applying for dental coverage, or if you’re a member of a recognized American Indian tribe.įirst, collect documents you may need for the application process, including your Social Security number or immigration documents and your federal tax return from last year.Qualifying events include certain moves, births and adoptions, loss of employer-provided coverage, marriage, divorce and other special circumstances. You can enroll outside of open enrollment if you experience a qualifying life event, but you usually only have 60 days from that event to enroll.Health Connector open enrollment begins on Nov.You may still need to meet a deductible, depending on your income. These are not full insurance plans but can help cover hospital costs for households at or below 300 percent of the federal poverty level. Certain low-income residents may also be eligible for a Health Safety Net (HSN) plan, which covers costs related to acute care and community health center care.These plans have low or no monthly premiums, no deductibles and low out-of-pocket costs. ConnectorCare plans are available to Massachusetts households with annual income at or below 300 percent of the federal poverty level (around $38,000 for one person) that do not have access to an affordable plan through an employer.People with MassHealth plans may be able to get some or all of their insurance premiums covered, depending on household income and if they’re parents or pregnant, need long-term care, living with a disability or meet other criteria. Low-income individuals and families can get coverage through MassHealth - which combines Medicaid and Children’s Health Insurance Program (CHIP) enrollment.
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citizens with worker or student visas, are eligible to buy health insurance through Health Connector.
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The average American with a marketplace plan can save $50 per month with the new assistance, the federal government says. Prior to the new law, such tax credits were only available to people making up to 400 percent of the federal poverty level (around $51,000 for one person). Every household that pays more than 8.5 percent of their household income now qualifies for federal tax credits to help them afford health insurance. Most people already enrolled in ACA marketplace plans have seen their premiums go down because the American Rescue Plan increased tax credits for insurance premiums and expanded the number of households who qualify for them. And you might be able to save money on premiums thanks to expanded federal tax credits available through 2022. If you experience a qualifying life event - such as the birth of a child, a move, a marriage, a divorce or the loss of your employer-provided health insurance - you may be able to enroll or change your coverage outside of open enrollment. En español | Most Massachusetts residents are eligible to buy health insurance through Massachusetts Health Connector, the state’s Affordable Care Act (ACA) marketplace, during open enrollment, which begins on Nov.